What happens once HDHP enrollees have saved enough in their HSA to cover their deductible?

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Employees who have saved enough in their HSA to meet their insurance deductible are at risk of succumbing to a “money to burn” mindset and spending on unnecessary health care. (Photo: Shutterstock)

Employers have made a big push in recent years to encourage employees to adopt high-deductible health plans (HDHP), incentivizing the switch with employer contributions to a health savings account (HSA). As of last year, according to data from the Employee Benefits Research Institute, 46 percent of Americans with private health insurance were enrolled in a high-deductible health plan (though not all have a corresponding HSA).

Emily Payne

Emily Payne is managing editor at BenefitsPRO. A Wisconsin native, she spent the past eight years writing and editing for various athletic and fitness publications. She holds an English degree and Business certificate from the University of Wisconsin.